Napa, CA · Cert 58138
FDIC · 2 branches
Q3 2017
Market Position · Napa, CA · 2017 SOD (annual) · 5.5% share · #8 of 16 inst. · $0.2B of $3.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.74% | 0.73% | 0.74% | 0.75% | 0.76% | 0.81% | 0.72% | -1 bps | |
| Return on Equity | 5.65% | 6.48% | 6.42% | 6.55% | 6.80% | 7.18% | 7.49% | 6.72% | +16 bps | |
| Net Interest Margin | 3.14% | 3.45% | 3.34% | 3.22% | 3.13% | 3.31% | 3.36% | 3.31% | +9 bps | |
| Efficiency Ratio | 71.01% | 67.16% | 68.38% | 68.35% | 67.55% | 68.12% | 66.88% | 70.54% | +219 bps | |
| Non-Interest Burden | 2.16% | 2.24% | 2.21% | 2.13% | 2.05% | 2.18% | 2.17% | 2.27% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.25% | 19.31% | 17.99% | 18.05% | 15.27% | 11.00% | 6.22% | 5.34% | -1,271 bps | |
| Loan Growth (YoY) | 23.17% | 19.43% | 10.19% | 3.72% | 6.10% | 5.71% | 8.55% | 9.96% | +624 bps | |
| Deposit Growth (YoY) | 20.15% | 21.33% | 19.03% | 19.03% | 16.66% | 11.88% | 6.57% | 5.61% | -1,343 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.10% | 0.10% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.41% | 1.40% | 1.45% | 1.46% | 1.41% | 1.38% | 1.38% | 1.37% | -9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 14.1x | 14.1x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.48% | 11.42% | 10.95% | 11.03% | 10.76% | 11.04% | 10.99% | 10.93% | -10 bps | |
| Total Risk-Based Capital | 18.16% | 17.76% | 17.68% | 18.11% | 17.51% | 17.45% | 17.56% | 17.64% | -47 bps | |
| Equity / Assets | 11.59% | 11.25% | 11.15% | 11.01% | 10.54% | 10.66% | 11.04% | 10.89% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.31% | 66.89% | 62.80% | 59.66% | 62.13% | 63.20% | 63.97% | 62.11% | +246 bps | |
| Liquid Assets / Assets | 0.47% | 2.23% | 2.16% | 2.06% | 0.75% | 0.00% | 0.00% | 1.96% | -10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |